Charlotte Home Loan And Mortgage Team STSFC Huntersville Mortgage Office Home Loan Types Help For All Clients Needs Help Closing Loans Working With Brokers in Charlotte Contact STSFC Huntersville Mortgage Brokers

Huntersville Mortgage Professionals

Get your solution today Visit Lee's Advice Blog Meet Our Mortgage Staff

Home Loan Advice From STSFC

Stop calling ads Dont be pushed into a house Play the game of nines Sell Before You Buy Monday March 27 Home Loan Market March 23rd Home Loan Commentary Daily Loan Rate Advisory Know the score, Credit Scoring!

Latest Home Loan Q & A

Should I get Prequalified? When is an ARM better? Should I choose ARM or fixed rate? Do I need w-2 forms? What is a broker's responsibilities? Is my lease option a refinance?

Charlotte Home Loan Professionals

Lee Sharpe's Blog
Get free daily insight and tips on your home loan or mortgage options from a highly skilled Charlotte mortgage professional.

Get $2500 For Buying
Check out this month's opportunity!

We can help you too!
Read real success stories from clients.

Huntersville Home Loans
A broker in Huntersville to close you home loan on time!

Refinance Your Charlotte Home
A refinance can pay off your past bills and get you a lower monthly payment.

STSFC is a local mortgage consultant and brokerage firm serving the Carolinas with professionalism and communication. We are able to work with clients from all situations and explain the best road to a home loan. We have helped hundreds of people acquire their pre-approval and walk away from renting and into home ownership for the first time.

Our programs, connections and open professioanl communication with clients has helped us to acquire great rates and low interest loands for clients in Huntersville, Charlotte, Mooresville, Concord, Matthews, Uptown, Rockhill, Lake Norman, Columbia SC and all surrounding regions of the Western Carolina.

Something you cant find on our site?
Check out the sitemap for all current pages, see the archive or great home loan articles from STSFC here and read the past mortgage questions about your Charlotte mortgage answered by the professional brokers at STSFC in Huntersville North Carolina, the Charlotte Home loan experts, and you local partner.

Good Site? Vote at:
Starting Point Directory

80 / 20 Home loan

As Charlotte home prices continue to climb, borrowers increasingly turn to 100-percent financing, and especially home loans that sidestep the need for mortgage insurance.

One such loan is known as the 80-20 Combo mortgage. The Charlotte home buyer takes out two loans -- the first for 80 percent of the purchase price, and the second for 20 percent of the home's price. Since mortgage insurance is required only on loans greater than 80% of the purchase price (or value) of the home, this combo sidesteps the requirement. Borrowers can also receive closing costs from a property seller, and make this combo loan a true no money down mortgage loan.

“A combination 1st and 2nd mortgage allows buyers to purchase or refinance a home with little to no out-of-pocket expense, while providing the best total monthly payment on the property,” says

Tabitha Sharpe, President of STS Financial Corporation.

"What we're seeing is a lot of young professionals and first time buyers," she adds. "These are people who have good jobs, and good credit, but little down payment- The 100% options available are amazing and very affordable.”

-Some Contributions by Holden Lewis of Bankrate.com

Charlotte 80 / 20 Loan

if this is the loan solution for you and your family, contact STSFC and let us show you the advantages and how we can get you prequalified today.

We will show you a great way to buy with FREE consultation!